__Bandhan ELSS Tax Saver Fund - Direct Plan_ A Smart Choice for Tax-saving and Wealth-building

1. Bandhan ELSS Tax Saver Fund - Direct Plan: A Smart Choice for Tax-saving and Wealth-building Investing in Equity Linked Savings Schemes (ELSS) is a popular strategy for individuals seeking to save on taxes while also building wealth over time. Among the various options available, the Bandhan ELSS Tax Saver Fund - Direct Plan stands out as an attractive choice for investors. This article explores the unique features, benefits, and performance of this fund, highlighting why it is a smart choice for tax-saving and wealth-building and why you should invest in ELSS funds. Understanding ELSS ELSS, or Equity Linked Savings Schemes, are mutual funds that invest primarily in equity and equity-related instruments. These schemes offer tax benefits under Section 80C of the Income Tax Act, 1961, allowing investors to claim deductions of up to ₹1.5 lakh per financial year. Additionally, ELSS funds have a mandatory lock-in period of three years, the shortest among tax-saving instruments, providing both tax benefits and the potential for capital appreciation. Bandhan ELSS Tax Saver Fund - Direct Plan: An Overview The Bandhan ELSS Tax Saver Fund - Direct Plan is designed to provide investors with dual benefits: tax savings and wealth creation. By investing in a diversified portfolio of equity and equity-related instruments, this fund aims to deliver long-term capital appreciation while also offering tax deductions. Key Features and Benefits Tax Savings: One of the primary attractions of the Bandhan ELSS Tax Saver Fund is the tax benefit it offers. Investments in this fund are eligible for deductions under Section 80C, helping investors reduce their taxable income. Wealth Creation: By investing in a diversified portfolio of equity and equity-related instruments, the fund aims to generate long-term capital appreciation. This dual objective makes it an ideal choice for individuals looking to build wealth over time while also saving on taxes. Short Lock-in Period: With a lock-in period of just three years, the Bandhan ELSS Tax Saver Fund offers more liquidity compared to other tax-saving instruments like Public Provident Fund (PPF) and National Savings Certificate (NSC). Direct Plan Advantage: The Direct Plan of the Bandhan ELSS Tax Saver Fund comes with lower expense ratios compared to the Regular Plan, as it eliminates the commission paid to intermediaries. This can lead to higher returns over the long term.

2. Systematic Investment Plan (SIP) Option: Investors can opt for a Systematic Investment Plan (SIP) to invest regularly in the Bandhan ELSS Tax Saver Fund. This promotes disciplined investing and allows individuals to benefit from rupee cost averaging. Performance Analysis When evaluating an ELSS fund, performance is a critical factor. The Bandhan ELSS Tax Saver Fund - Direct Plan has consistently demonstrated strong performance, outperforming many of its peers in the ELSS category. Its robust performance can be attributed to a well-diversified portfolio and strategic stock selection by the fund managers. Why Invest in ELSS Funds? Investing in ELSS funds, such as the Bandhan ELSS Tax Saver Fund, offers several distinct advantages: Tax Benefits: ELSS funds provide tax deductions under Section 80C, allowing investors to save up to ₹1.5 lakh per year. This makes them an excellent choice for tax-efficient investing. Potential for High Returns: As ELSS funds invest primarily in equities, they have the potential to deliver higher returns compared to traditional tax-saving instruments. Short Lock-in Period: ELSS funds have a mandatory lock-in period of three years, the shortest among tax-saving options. This offers better liquidity and flexibility for investors. Wealth Creation: By investing in a diversified portfolio of equity and equity-related instruments, ELSS funds aim to provide long-term capital appreciation. Risk Factors While ELSS funds offer the potential for high returns, they also come with certain risks due to their equity exposure. Investors should be aware of the following risks: Market Risk: The value of the fund’s investments may fluctuate due to market conditions. Equity Risk: The fund’s performance depends on the performance of the equity market, which can be volatile. Lock-in Period: The mandatory three-year lock-in period means investors cannot redeem their units before this period, limiting liquidity. Who Should Invest? The Bandhan ELSS Tax Saver Fund - Direct Plan is suitable for investors who are looking to save on taxes while also seeking long-term capital appreciation. It is ideal for individuals with a higher risk tolerance and a long-term investment horizon. Additionally, it suits those who prefer a

3. more cost-effective investment option, benefiting from the lower expense ratios of the Direct Plan. Conclusion The Bandhan ELSS Tax Saver Fund - Direct Plan offers a compelling option for tax-saving and wealth-building. Its diversified portfolio, potential for high returns, and the dual benefits of tax savings and capital appreciation make it an attractive choice for investors. With the added advantage of a short lock-in period and lower expense ratios, this fund stands out as a smart investment for those looking to maximize their returns while also enjoying tax benefits. Investing in the Bandhan ELSS Tax Saver Fund - Direct Plan can be a strategic move towards achieving financial goals while also optimizing tax savings. As with any investment, it is essential to assess your risk tolerance and investment objectives before committing. By making informed decisions and staying invested for the long term, investors can harness the full potential of this ELSS fund to build a prosperous financial future. For those looking to invest in ELSS funds, this plan is a prudent choice that aligns well with the principles of disciplined and informed investing.